The next step to revise capital requirements for large banks is undetermined, two mortgage efforts at the CFPB will fall to a Republican appointee and FHFA’s planned reforms for the FHLBanks face uncertainty.

Despite a lack of historical data on FICO 10 T, Urban Institute researchers find positive signs that the shift away from Classic FICO to VantageScore 4.0 and FICO 10 T will not dramatically impact loan performance.

A new report from the Senate Budget Committee highlights how property insurance non-renewals are impacting homeowners and lenders.

Starting in March 2026, residential mortgage protections will apply to Property Assessed Clean Energy loans. Mortgage industry groups and consumer advocates applauded the move.

Elon Musk’s call to “delete” the CFPB hasn’t found many takers. According to mortgage industry participants, the consumer watchdog has provided stability to the industry post the 2008 financial crisis.

A report by the non-partisan Congressional Budget Office concludes that Fannie Mae and Freddie Mac are more likely to hold successful public stock offerings now than when Trump first took office in 2020.

An OIG report found issues with reporting of appraisal bias by Freddie Mac and the Federal Housing Finance Agency.

Legislation to limit trigger lead activity was removed from “must-pass” defense spending legislation. Still, mortgage industry participants are confident Congress will pass the trigger leads ban as soon as next year.

About 40 million households are making consistent monthly rent payments that are equal to or greater than the average monthly mortgage payment, according to one estimate.

A provision in the proposed rule that would limit sales of “credit header” information only to users who have a permissible purpose to obtain it would restrict the ability of lenders to advertise mortgage products.